Saudi ArabiaUpdated for 2026FinanceSaudi SAMA Debt Burden Ratio (DTI) & Installment Calculator 2026
Calculate official Saudi Central Bank (SAMA) debt-to-income limits (33.33% personal, 45% retirees, 55%-65% mortgage) and maximum borrowing installment capacity.
Available Monthly Borrowing Installment Capacity
Calculator Inputs
Available Monthly Borrowing Installment Capacity
Max Allowable Gross Deduction Cap
Current Active DTI Ratio
Credit Card 5% Deemed Burden
You have compliant installment capacity to qualify for additional financing under SAMA rules.
Canceling or reducing unused credit card limits instantly unlocks borrowing capacity equal to 5% of the reduced limit.
DTI Capacity Distribution
Calculated strictly pursuant to Responsible Lending Principles issued by the Saudi Central Bank (SAMA) and SIMAH reporting standards.
This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.
Calculation Methodology
SAMA caps gross deductions at 33.33% for consumer loans, 45% for pensioners, and up to 65% for combined mortgage financing, factoring in a 5% deemed commitment on credit card limits.
Frequently Asked Questions
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